What, me worry? That's the attitude of most small business owners when it comes to credit card security, according to a survey by Newtek Business Services.

Two-thirds of the 1,400 business owners surveyed by Newtek said they're not concerned about credit card security at their businesses, even after the massive security breaches at Target and Neiman Marcus.

"With data and security breaches increasing in intensity and frequency, it is surprising, but revealing, that independent businesses are not having the concern they should over their own cyber security," said Barry Sloane, chairman, president and CEO of Newtek. "It is the 'It's not a problem until it happens to you' attitude that is concerning to us."

Sloane's advice?

"Business owners need to scan their websites continuously for vulnerabilities, use tokenized gateways and have cyber liability insurance for the protection of the enterprise and business franchise."

Newtek, not coincidentally, happens to offer all of these services.

If you want a more neutral source of advice, the Better Business Bureau also offers guidelines that businesses that accept credit and debit cards should follow.